Just about everyone dreams of winning the lottery, especially in dramatic fashion like Louise White, the 81-year-old Rhode Island woman who sent a family member to the store for rainbow sherbet and a Powerball ticket that turned out to be worth $366 million last month.

And if you were ever to be as lucky as Ms. White, you would do well to follow what she did next: engage an estate planning attorney before claiming her prize in order to protect those winnings.

A Wall Street Journal article recently noted that while a vast majority of us will not win the lottery, there is a much greater likelihood that we will come into a financial windfall via inheritance. A survey of financial advisers recommend that, to protect a windfall, you:

Create goals for what you want to do with your windfall before spending any of it;

Consult with a financial planner and/or estate planning attorney before making any investments;

Be sure to subtract taxes and current debts from the windfall before making a spending plan;